Federal credit union · Bethlehem, Pennsylvania · NCUA charter #716
Bethlehem 1st
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $72.5M
- Total assets
- 4,278
- Members
- 12.5%
- Net-worth ratio
Bethlehem 1st scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $72.5M; members 4,278; net-worth ratio 12.46%; health rank #2,589 of 4,374; healthier than 39th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,589 of 4,374 health · 2025Q4Bethlehem 1st · health 81/100 · $72.5M · 2025Q4
- BOOK 81/100
- CHARTER 12.5%
- NCUSIF 0.55%
- CAMELS 1.03%
- HEALTH $72.5M
- NW 4,278
- DELQ #2,589/4,374
- ROA CHAMPION
- ASSETS 716
Call Report peers
Bethlehem 1st in the assets neighbourhood
Bethlehem 1st's $72.5M assets sit next to CHAMPION ($72.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Bethlehem 1st vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Bethlehem 1st - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #716, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Bethlehem 1st vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.41 pp (0.55% vs 0.96%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -22.84 pp (39.76% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Bethlehem 1st sits in Pennsylvania
- Pennsylvania health ordinal: #141 of 275.
- Assets rank #99 of 275 inside Pennsylvania ($72.5M reported).
- Member book place in Pennsylvania: #116 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Bethlehem 1st: 2025Q4 → 2026Q1
Bethlehem 1st: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $72.5M (2025Q4) to $73.2M (2026Q1).
- Net-worth ratio shifted +0.19 pp (12.27% → 12.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.46% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.5 pts
- Return on Assets 15.0 pts
- Member Growth 2.3 pts
- Loan-to-Share Ratio 9.2 pts
Bethlehem 1st vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.46% | -1.16 pp |
| Delinquency Rate | 0.55% | -0.41 pp |
| Return on Assets | 1.03% | +0.37 pp |
| Member Growth | -3.71% | - |
| Loan-to-Share Ratio | 39.76% | -22.84 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Bethlehem 1st quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $73.2M | - |
| 2025Q4 | $72.5M | 4,278 |
| 2024Q4 | $67.8M | 4,443 |
| 2023Q4 | $69.0M | 4,521 |
Credit Union Details
- Charter Number
- 716
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- Bethlehem
- Data Quarter
- 2025Q4
Branch Locations (2)
Bethlehem 1st operates 2 offices in Bethlehem, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Bethlehem, PA |
| Records | Bethlehem, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Other-state peers near Bethlehem 1st
Bethlehem 1st's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($72.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Bethlehem 1st ranks #2,589 of 4,374 nationally on financial health and #141 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Greater Pittsburgh is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Greater Pittsburgh
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Bethlehem 1st financially healthy?
Bethlehem 1st has a financial health score of 81/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,589 of 4,374; by total assets it ranks #2,107 of 4,374 nationally (same basis as /rankings/largest); and #99 of 275 within Pennsylvania. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.46% and delinquency rate of 0.55%.
How does Bethlehem 1st compare to other credit unions?
81/100 is Bethlehem 1st's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Bethlehem 1st?
Bethlehem 1st operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Bethlehem 1st directly for the exact boundaries and application steps.
Is my money safe at Bethlehem 1st?
Federal credit unions like Bethlehem 1st are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Bethlehem 1st's net worth ratio of 12.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Bethlehem 1st offer compared to banks?
Credit unions like Bethlehem 1st are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Bethlehem 1st directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.